MacRumors

One week ahead of HomePod's launch date in the United States, United Kingdom, and Australia on February 9, the first batch of pre-order customers have begun receiving notifications from their banks about being charged for their orders, many located in the UK. According to tips, customers have noticed a charge placed on their cards related to HomePod orders as of early this morning, one week after pre-orders initially went up last Friday, January 26.

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Image via MacRumors forum member smr

As customers begin getting charged, shipment preparations are also gearing up for HomePod and some MacRumors forum members have shared that their orders are "preparing for dispatch" with the expected delivery date of February 9.

This places HomePod pre-order shipping schedules on track with previous Apple device launches, and more users should begin noticing charges and shipment preparation order updates throughout the day. Next, the first set of HomePods will likely begin shipping out this weekend or early next week.

Initial hands-on impressions of the speaker have been positive, with a few websites enjoying the design of the HomePod, a "fast and seamless" integration with Siri, and favoring the audio quality over rival speakers like Sonos One and Google Home Max.

Among those giving impressions was a user on the audiophile subreddit, who noted "significantly better" audio than Google Home Max, and summed up their post by stating, "A single HomePod, for the size and price, slaughters most speakers under $1000."

HomePod on shelf
For those who haven't yet pre-ordered, HomePod orders placed on Apple.com today are still available for a February 9 delivery or pick-up date in both White and Space Gray.

Related Roundup: HomePod
Buyer's Guide: HomePod (Neutral)

Apple will be launching the newest activity challenge for Apple Watch wearers next week, with a focus on Heart Month. To complete the challenge, you'll need to close your Apple Watch's exercise ring for seven days in a row during one specific week: from February 8 to February 14, which fits with the heart theme and ends on Valentine's Day.

apple watch valentines day challenge
Apple hasn't detailed the rewards yet, but they're likely to be the same as previous activity challenges: a colorful badge in the "Achievements" tab of the Activity app, and a matching sticker within Messages to send to friends and family. Apple Watch owners should start noticing the Heart Month challenge within their Activity app on Tuesday, February 6, two days ahead of when it begins.

The February challenge is coming on the heels of this year's "Ring in the New Year" challenge, which tasked users with closing all three Activity rings for seven days in a row in January.

(Thanks, Clement!)

Related Roundup: Apple Watch 10
Buyer's Guide: Apple Watch (Buy Now)

YouTube this morning teased that its YouTube TV Apple TV app was "coming very soon," and "coming very soon" apparently meant this afternoon.

The YouTube TV app is now available for download from the App Store on the Apple TV, where it is featured prominently in a banner.

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YouTube TV's new Apple TV app comes just in time for Super Bowl LII, which is set to take place on Sunday, February 4. YouTube also recently expanded to Roku devices, presumably with the aim of luring new subscribers who want to watch the Super Bowl.

The YouTube TV service, which is priced at $35 per month, offers subscribers access to television shows on ABC, CBS, Fox, NBC, the CW, Disney, ESPN, FX, USA, and dozens more.

YouTube TV boasts more than 40 channels, including live sports and news. It also offers unlimited DVR storage space and allows subscribers to access their shows from anywhere in the United States, plus it includes content from the $9.99 per month YouTube Red service.

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Introduced back in April, YouTube TV is a live streaming service designed to compete with offerings like Sling TV, Hulu with Live TV, DirecTV Now, and Playstation Vue, all of which are available via apps on fourth and fifth-generation Apple TV models.

Related Roundup: Apple TV
Buyer's Guide: Apple TV (Don't Buy)

During today's earnings call covering the first fiscal quarter of 2018, Apple CEO Tim Cook said that the iPhone X has "surpassed our expectations" and has been the "top selling iPhone" every week since it shipped in November.

Apple says the iPhone X, iPhone 8, and iPhone 8 Plus lineup brought in the highest revenue of any iPhone lineup in the company's history.

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Apple does not break down iPhone sales by model, but the company sold 77.3 million iPhones in total, which was below analyst expectations. iPhone average selling price was up thanks to the iPhone X, coming in at $796 compared to $695 in the year-ago quarter.

Cook also said that customer satisfaction is "off the charts" for the iPhone X, and that Face ID was "incredibly well received."

Cook was asked about the future of the iPhone X and whether Apple sees its lineup expanding to encompass two iPhone X-style devices in the future, and he of course declined to respond.

He did, however, say that Apple is "thrilled" with the reception to the iPhone X, and that with its launch, the company was setting up the next decade of development. "That's how we look at it, and that's the reason it's chock full of incredible innovations. So you can bet that we're pulling that string," Cook said.

Going forward, Apple CFO Luca Maestri said in answer to a question about slower growth in the coming quarter that Apple believes iPhone revenue will actually grow double digits compared to last year's March quarter. iPhone sell-through growth, he says, will be accelerating compared to the December quarter.

Apple's guidance for the second quarter of fiscal 2018 includes expected revenue of $60-$62 billion and gross margin between 38 and 38.5 percent.

Related Forum: iPhone

During today's earnings call covering the first quarter of 2018, Apple CEO Tim Cook was asked whether investors should be concerned about slowing upgrade rates due to Apple's battery replacement program and the fact that consumers may opt to replace their batteries instead of purchasing a new iPhone.

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In response, Cook said that he couldn't answer because it wasn't something that Apple took into account. Apple "did not consider, in any way, shape, or form, what it would do to upgrade rates," said Cook.

We did it because we thought it was the right thing to do for our customers. I don't know what effect it will have for our investors. It was not in our thought process of deciding to do what we've done.

In the same answer, Cook said the iPhone has fantastic reliability, and that the previously-owned market is continually expanding, with customers handing down older iPhones and using trade-ins to get new devices. Cook said he believes customers handing their devices down is a positive, because "the more people on iPhone, the better."

Following the revelation that Apple introduced power management features that slow older iPhones in order to prevent unexpected shutdowns in devices with degraded batteries, Apple was accused of planned obsolescence and deliberately slowing devices to prompt customers to upgrade.

Apple has vehemently denied that the power management features were implemented to spur customers to upgrade, and the company has said that instead, the features were meant to expand the life of an iPhone for as long as possible.

Apple has apologized for the misinformation that has circulated about the power management features, and it has also introduced a program allowing customers to get $29 battery replacements for the iPhone 6 and newer. In iOS 11.3, Apple will provide more information about battery health and give customers the option to toggle off the power management feature all together.

Apple today said that the Apple Watch saw its best quarter ever in Q1 2018, with the new Series 3 models selling at twice the volume of the Series 2 models last year. Apple Watch saw a 50% growth in units and revenue for the fourth consecutive quarter.

When combined with sales of Beats headphones and AirPods, total revenue from wearables was up almost 70 percent year-over-year.

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Apple's "Other" category, which includes Apple TV, Apple Watch, Beats, iPod, and Apple-branded and third-party accessories, was the major contributor to the company's revenue, bringing in $5.5 billion.

Apple says wearables, including the Apple Watch, the AirPods, and Beats, were the second largest contributor to revenue growth after the iPhone.

Last year, in Q1 2017, Apple's "Other" category was responsible for $4 billion in revenue, so overall revenue from that category was up $1.5 billion.

Related Roundup: Apple Watch 10
Buyer's Guide: Apple Watch (Buy Now)

Apple Pay is set to expand to a Brazil later this year, Apple CEO Tim Cook revealed in today's first quarter earnings call. While Apple didn't provide an exact date for the launch of Apple Pay in Brazil, Cook did say it would come soon.

We began hearing rumors of an Apple Pay expansion to Brazil two years ago, but in December of last year, iPhone users in Brazil were able to see terms of service information when attempting to add a Visa Platinum Personnalité card from Itaú Unibanco, suggesting an imminent launch.

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It is not yet clear which banks will support Apple Pay when the feature launches, as there is not yet an Apple Pay website for the feature in the country. More details are likely to be available soon.

Since its 2014 launch, Apple has expanded Apple Pay to more than a dozen countries, including the United States, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russia, China, Japan, New Zealand, Spain, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, and United Arab Emirates.

Apple Pay works on all iPhones with Touch ID or Face ID, including iPhone 6, 6s, 6, 7, 8, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, and X. It is also available on all Apple Watch models and can be used to make purchases in apps and on the web on Macs and iPads.

During today's earnings call, Apple also shared some details on Apple Pay, which saw its best ever quarter in Q1 2018.

Apple Pay grew 50 percent year-over-year, and it is now accepted at more than half of all retail locations in the United States, and at 2/3rds of the country's top retailers. Global Apple Pay purchase volume was also up.

Update: Apple has launched an Apple Pay webpage on its Brazilian site.

Related Roundup: Apple Pay

appstorelogocleanApple's services category continues to grow rapidly, and in the first fiscal quarter of 2018, Apple services, which includes iTunes, the App Store, Apple Music, iCloud, Apple Pay, and AppleCare, saw revenue of $8.5 billion, up 18 percent year over year.

The App Store saw its best holiday season ever, and Q1 2018 marked the best quarter ever for not only the App Store, but also Apple Music, iCloud, and Apple Pay. Apple Music, iCloud, and Apple Pay all saw significant growth in active users.

Paid subscriptions passed 240 million by the end of the December quarter, which Apple says is an increase of $30 million in the last 90 days alone, the largest quarterly growth ever.

Apple CEO Tim Cook says Apple is well on its way to reaching its goal to double its services revenue by 2020.

Related Forum: Mac Apps

Apple today announced that its active installed base of devices has reached 1.3 billion, a milestone the company hit in January. That includes iPhone, iPod touch, iPad, Mac, Apple TV, and Apple Watch models in use around the world.

The number was shared by Apple CEO Tim Cook in a press release announcing the company's record earnings for the first fiscal quarter of 2018. Cook says that Apple has seen the number of active devices grow 30 percent over the course of the last two years. Apple hit its 1 billion active device milestone back in January of 2016.

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"We've also achieved a significant milestone with our active installed base of devices reaching 1.3 billion in January. That's an increase of 30 percent in just two years, which is a testament to the popularity of our products and the loyalty and satisfaction of our customers."

Apple this afternoon said it sold 77.3 million iPhones, 13.2 million iPads, and 5.1 million Macs during the first quarter of 2018.

aapl 2017 logoApple today announced financial results for the first fiscal quarter of 2018, which corresponds to the fourth calendar quarter of 2017.

For the quarter, Apple posted revenue of $88.3 billion and net quarterly profit of $20.1 billion, or $3.89 per diluted share, compared to revenue of $78.4 billion and net quarterly profit of $17.9 billion, or $3.36 per diluted share, in the year-ago quarter. The revenue and earnings per share numbers were company records for any quarter in the company's history.

Gross margin for the quarter was 38.4 percent, compared to 38.5 percent in the year-ago quarter, with international sales accounting for 65 percent of revenue. Apple also declared an upcoming dividend payment of $0.63 per share, payable February 15 to shareholders of record as of February 12.

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For the quarter, Apple sold 77.3 million iPhones, compared to 78.3 million in the year-ago quarter. iPad sales were up slightly to 13.2 million, up from 13.1 million a year ago, and Mac sales slipped to 5.1 million from 5.4 million.

“We’re thrilled to report the biggest quarter in Apple’s history, with broad-based growth that included the highest revenue ever from a new iPhone lineup. iPhone X surpassed our expectations and has been our top-selling iPhone every week since it shipped in November,” said Tim Cook, Apple’s CEO. “We’ve also achieved a significant milestone with our active installed base of devices reaching 1.3 billion in January. That’s an increase of 30 percent in just two years, which is a testament to the popularity of our products and the loyalty and satisfaction of our customers.”

Apple's guidance for the second quarter of fiscal 2018 includes expected revenue of $60-62 billion and gross margin between 38 and 38.5 percent.

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Apple will provide live streaming of its fiscal Q1 2018 financial results conference call at 2:00 PM Pacific, and MacRumors will update this story with coverage of the conference call highlights.

A loose summary of Apple's earnings call is embedded below in reverse chronological order.

➜ Click here to read rest of article...

One of the surprises of this year's Consumer Electronics Show was a smart toothbrush from Colgate, which, as it turns out, was designed to be an Apple Store exclusive.

The new $100 Colgate Smart Electronic Toothbrush is both Colgate's first smart iPhone-connected brush and the first personal hygiene product you can get right from an Apple Store.

colgate smart toothbrush
Toothbrushes that connect to your iPhone have become a thing over the course of the last couple of years, and you can now get smart brushes from most of the major brands, including Philips and Oral-B. I'm no stranger to smart toothbrushes -- I've previously reviewed the Oral-B SmartSeries, the Sonicare FlexCare Platinum Connected, and the Sonicare DiamondClean Smart, and for the last couple of weeks, I've been testing the Colgate Smart Electronic Toothbrush.

Colgate's Smart Toothbrush is the simplest smart toothbrush that I've tested so far, but as you'll see in my review below, there are some shortcomings to be aware of if you're considering this brush.

Design and Features

Colgate partnered with Kolibree for the Smart Electronic Toothbrush, and the brush itself appears to be a Kolibree design because it's almost identical to the $129 Kolibree Ara. This Kolibree mirror is the first higher-end toothbrush that Colgate's come out with, so it's different from all other Colgate brushes on the market, which are typically not priced over $10.

Design wise, the brush is made from a lightweight white plastic material, and it consists of two pieces: a removable and replaceable brush head and the vibrating base that the brush head fits on. The brush head pops onto the base of the toothbrush and then twists to lock in place.

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There's single button on the base of the Colgate Smart that turns it on or turns it off, and that's the extent of the functionality, too. It's on or it's off. There are no modes or sensitivity levels to switch between, so you can't alter brushing length (it goes for two minutes), brushing intensity, or any other parameter.

➜ Click here to read more...

Instagram today announced the launch of a new "Type" mode in stories, a feature that the company was previously testing with a small number of users.

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Type mode is designed to allow Instagram users to share text-only posts in Instagram Stories, and the feature is similar in design to the Facebook option that lets you accentuate text-only posts with large fonts and colorful backgrounds.

According to Instagram, Type uses creative text styles and backgrounds to allow users to turn their "most random thoughts into something colorful and expressive."


Type mode can be accessed by opening up the Instagram Stories camera and selecting "Type" next to normal under the record button.

Tap "Type" and write whatever comes to mind -- your favorite lyrics, a silly thought or a random idea -- and play with different styles to change the look and feel. Then, you can pick different background colors, highlight words and phrases or add a background photo.

The new styles introduced with the Type feature can also be used when adding text to any photo or video, and as with all Stories posts, content will disappear after 24 hours.

Type content is part of Instagram version 30 for iOS, which can be downloaded from the App Store for free. [Direct Link]

Apple today has added refurbished iPhone 7 and iPhone 7 Plus models to its online store for the first time in the United States.

iphone 7 plus refurbished
iPhone 7 models are available in all three storage capacities, including 32GB for $499, 128GB for $589, and 256GB for $679, reflecting savings of 10 percent off Apple's current prices for brand new models. All five colors are currently in stock, including Black, Jet Black, Silver, Gold, and Rose Gold.

iPhone 7 Plus models with 32GB or 128GB of storage are available for $599 and $689 respectively, which is also 10 percent off. There are no 256GB models in stock. Available colors include Black, Gold, and Rose Gold.

Apple says all refurbished iPhone models are thoroughly inspected, tested, cleaned, and repackaged with a new white box and all manuals and accessories. Apple also installs a new battery and replaces the outer shell, making it nearly impossible to distinguish between a refurbished and brand new iPhone.

Any refurbished iPhone model comes with Apple's standard one-year warranty effective on the date the device is delivered. The warranty can be extended to up to two years from the original purchase date with AppleCare+, at a cost of $129 for the iPhone 7 and $149 for the iPhone 7 Plus in the United States.

All in all, customers can save somewhere between $50 and $80 on the iPhone 7 and iPhone 7 Plus this way. Those looking for an even better deal, and who are okay with a little wear and tear, may wish to consider Virgin Mobile's pre-loved iPhone 7 and iPhone 7 Plus models, which start at $299 and $349 respectively.

Related Forum: iPhone

Headup Games today announced that its Portal spin-off game "Bridge Constructor Portal" is now officially available for players to buy on the Mac App Store for $9.99 [Direct Link]. The game first launched on December 20 on the iOS App Store, Google Play Store, and Steam.

The Mac App Store version of the game is priced to match the other $9.99 desktop version on Steam, coming in at $5 more than the iPhone/iPad app's $4.99 price tag [Direct Link].

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Bridge Constructor Portal is a fusion of the Bridge Constructor and Portal franchises, tasking players with building bridges to connect pathways in order to safely traverse large pits and avoid falling to their death. These puzzles are blended with Portal's Aperture Laboratories setting, items, and characters. Elements from Portal include the companion cube, repulsion and propulsion gels from Portal 2, and GLaDOS's narration through all of the player's successes and failures.

As a new employee in the Aperture Science test lab, it's your job to build bridges, ramps, slides, and other constructions in 60 test chambers and get the Bendies safely across the finish line in their vehicles.

Make use of the many Portal gadgets, like portals, propulsion gel, repulsion gel, aerial faith plates, cubes, and more to bypass the sentry turrets, acid pools and laser barriers, solve switch puzzles, and make it through the test chambers unscathed.

Now that the game is available across mobile and desktop devices, Headup Games, ClockStone Software, and Valve are looking toward its release on Nintendo Switch, PS4, and Xbox One "very soon." You can visit the Mac App Store today to download Bridge Constructor Portal [Direct Link], and it can also be downloaded for Apple computers through Steam.

Tag: Valve

Gaming-focused chat platform Discord today announced a new integration with Spotify that will allow users to connect their Spotify accounts to Discord in order to showcase what they're listening to. Spotify Premium subscribers will be able to "Listen Along" to songs and full playlists together with fellow Premium members directly within their Discord server, which syncs up tracks so that each user is hearing everything at the same time.

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Non-Premium members will have the ability to display a currently listening to track in their Discord profile, so when friends click on the profile they can discover new music with a "Play on Spotify" button. Discord confirmed to MacRumors that the Spotify update will be available for both the Mac and PC apps, as well as in web browsers, and all of the Spotify integrations will go live on Discord today.

On iOS, Discord users will be able to see what their friends are listening to, but shared listening will only be available on the desktop apps.

“This is the next natural step to highlight the importance of music as an integral part of the gaming experience,” said Mikael Ericsson, Product Director, Platform & Partner Experience at Spotify. “Starting today, we’re really excited to offer Spotify Premium and Discord users the ability to listen together as a group or highlight what they’re jamming out to while enjoying their favorite games.”

Today's updates are set to become more enhanced additions to existing features already available in Discord. For example, the chat app previously included syncing with Spotify to show when members of a server were using the music streaming service, but today's announcement is a far deeper integration between the two companies with specific track listings that show song, album, and time in the song.

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There have also been bots in Discord that perform a somewhat similar function to Listen Along, allowing server mods to create channels where users can add songs to a playlist -- with audio usually sourced from YouTube music videos -- and let multiple people join in the channel to listen in real time and edit what's coming up next.


For those who haven't downloaded it yet, Discord is a free app for Mac, PC, iOS, and Android that lets its users join servers that are typically aimed at discussing a specific game and organizing events around the game. The Mac app is available to download on the company's website and the iOS app is free on the App Store [Direct Link].

YouTube TV is YouTube's bundled streaming television service, available for customers on the web, iOS, Android, Xbox One, Android TV, and other platforms. An app for Apple TV was initially planned for late 2017, but was delayed to Q1 2018, and now a YouTube representative speaking to CNET has teased the Apple TV app's imminent launch by stating it will be "coming very soon."

Apart from Apple TV, today YouTube TV has expanded to Roku devices in time for Super Bowl LII. Taking into account the YouTube representative's comments, it appears that the company is working to launch the Apple TV app in time for some of the big live TV events this winter. So if it doesn't launch for Super Bowl LII this Sunday, February 4, there's still time for a debut during the Winter Olympic games (February 9-25) and ahead of the 90th Academy Awards (March 4).

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Like other versions of the app, YouTube TV on Apple TV will offer subscribers of the $35/month service the ability to stream cable television shows on ABC, CBS, Fox, NBC, CW, Disney, ESPN, FX, USA, and dozens of other major channels. YouTube TV is a competitor to similar services like Sling TV, Hulu with Live TV, DirecTV Now, and Playstation Vue, all of which can be viewed on the fourth and fifth generation Apple TV models. In addition to streaming live TV, YouTube TV includes content from the $9.99/month YouTube Red service.

The company previously detailed the Apple TV app last October, showing that the app will have Home, Live, and Library tabs for viewing content similar to other iterations of YouTube TV. There will also be a dark background on Apple TV, a live grid-based guide to check out what's currently on TV, and a feature that keeps video running in the background while you navigate the app.

Related Roundup: Apple TV
Buyer's Guide: Apple TV (Don't Buy)

Apple today updated its HomePod tech specs page with a new Audio Sources section that lists all of the ways in which the speaker can stream audio, setting the record straight on some conflicting information.

homepod audio sources

Apple Music: HomePod users can ask Siri to play any of over 45 million songs available on Apple Music. A subscription is required.

iTunes Music: HomePod users can ask Siri to play any songs, albums, or audiobooks purchased from the iTunes Store.

iCloud Music Library: HomePod users can ask Siri to play any songs uploaded to a user's iCloud Music Library, including songs imported from other sources such as CDs, with an Apple Music or iTunes Match subscription.

Beats 1: HomePod users can ask Siri to play Apple's official radio station.

Podcasts: HomePod users can ask Siri to play any podcast episodes from the iTunes podcast directory.

AirPlay: HomePod users can use AirPlay to play other audio from an iPhone, iPad, iPod touch, Apple TV, and Mac. AirPlay 2, coming later this year, is only required to stream audio from these sources to multiple HomePods.

Earlier this week, iMore's Serenity Caldwell put together a useful breakdown with more detailed information about how the HomePod works with Apple Music, iTunes Match, iCloud Music Library, AirPlay, and more.

HomePod orders began last week ahead of the speaker's official launch on February 9 in the United States, United Kingdom, and Australia.

Related Roundup: HomePod
Buyer's Guide: HomePod (Neutral)

eBay this week announced major changes coming for both buyers and sellers on its online marketplace, with a plan to phase out its 15-year-long partnership with PayPal and eventually integrate Amsterdam-based payments company Adyen as its "primary partner for payments processing globally" (via Recode). This will eventually affect all eBay customers on every version of the site, including desktop and its iOS and Android apps.

The process will happen over a long period of time, beginning with payments intermediation on its marketplace -- essentially helping sellers and buyers transition to Adyen -- in the second half of 2018. This will be a "small scale" initial expansion, and grow further throughout 2019. eBay currently has an operating agreement to keep PayPal as its primary payments processor through mid-2020, so the plan is to have "transitioned a majority" of its marketplace customers to Adyen by 2021.

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After that time, PayPal will be relegated to a secondary checkout option for customers until July 2023. Following that transition it's unclear whether eBay and PayPal's partnership will end completely, or if the payments company will simply continue as a secondary option in checkout.

For Adyen, eBay noted that there will be "additional payments-related data" required to transition to the new platform, with these steps "required" to continue selling on eBay. Still, the company ensured that most of the ways that buyers and sellers pay for and receive money on the site will "be very similar" to how it worked with PayPal.

The way that sellers engage with eBay in an intermediated landscape will, for the most part, be very similar as they do today. For example, sellers will not need to change their accounts with eBay. Sellers will continue to log into eBay and manage their listings as they do today. As eBay begins to intermediate payments, sellers can expect to see new, streamlined dashboards and reports inclusive of payments – all within eBay.

eBay said customers will benefit from this shift in multiple ways, including lower costs of payments processing for sellers, as well as a simplified pricing structure and "more predictable access" to funds. Buyers will have more payment options, which eBay hopes will increase checkouts on the site. Additionally, because Adyen focuses solely on providing back-end payments services and will not link out to a secondary website, eBay said it will now "manage the entire checkout experience" so the payment process can be more streamlined.

PayPal became eBay's main payments provider in 2003, following eBay's acquisition of PayPal a year prior at $1.5 billion. In 2015, the companies split to become separate public companies, but agreed upon a deal that keeps PayPal as its primary payments provider for five years, through 2020. For PayPal, the company has been expanding its own reach in online payments over the past year, allowing friends to pay one another in Facebook Messenger and introducing Venmo as an online payment option at more than two million retailer websites last October.

Ahead of the launch of Apple Pay Cash -- which works like Venmo in letting users pay one another through an app -- PayPal CEO Dan Schulman said he didn't think Apple's peer-to-peer payments platform would hurt Venmo because of Venmo's availability across ecosystems. "We’re technology agnostic," Shulman said at the time, emphasizing that this provides the PayPal-owned company a "powerful advantage" over rival P2P platforms.

Tags: Adyen, eBay, PayPal